Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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Student Loans From Citadel

Citadel has partnered with Sallie Mae to offer both the Smart Option Student Loan® and the Sallie Mae Parent Loan for families to finance college expenses not covered by scholarships and federal loans. Review the options below to see what is best for your family.

Smart Option Student Loan® for Citadel by Sallie Mae®

The Smart Option Student Loan® for Citadel by Sallie Mae®

Graduate Student Loans

Going to graduate school? Learn more about graduate school loan options. Select from a variety of specialty graduate loan programs, with competitive rates and multiple repayment options.

Citadel Scholarship Search

Scholarships are an important part of financing college. Citadel’s Scholarship Search offers access to 3.5 million scholarships worth $18+ billion!

Citadel Credit Union routing number

Routing #

231380104

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Branch Hours: Mon - Fri 9:00 a.m.-5:00 p.m.

Saturday: 9:00 a.m.-1:00 p.m. *Hours may vary by location

Please Note: New 2026 branch hours have taken effect. Visit Citadelbanking.com/Locations for details.

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